Belong to. According to national regulations, borrowing new loans and returning old ones belong to bank stock loans, which can be used to save money. Banks are financial institutions established in accordance with the law to operate monetary credit business, and they are the products of the development of commodity monetary economy to a certain stage.
Stock loans are not performance.
Stock loans are counted as performance,
First, the loan officer performance bonus related accounting indicators:
(a) the stock loan index (by loan type, respectively
Calculation)
1. Average daily balance of the current month: refers to the management of loan officers.
Average daily balance of customers in the current month
Average daily balance of the month = ∑ average daily loan balance of the month.
This month's amount/days
2. Average daily balance of commercial loans in the current month: refers to the management of loan officers.
Average daily balance of customers' commercial loans in the current month.
Average daily balance of business loans in the current month = ∑ average daily loans in the current month.
This month's amount/days
(II) New loan indicators (by loan type)
What does stock loan mean?
Stock loan refers to the existing loan amount. The main characteristics of its performance are that there are many traditional industries and few emerging industries; General loans account for a large proportion, while innovative loans account for a small proportion; There are many customers with low credit rating and few customers with high credit rating; In fact, it is used to lay the foundation, and it is used to turn around the flow.
The stock loan structure mainly has the following characteristics: there are many traditional industries and few emerging industries. A considerable number of loans are deposited in traditional industries, sunset industries and long-term product enterprises with serious market demand, while high-tech industries, basic industries and government monopoly industries are rare. By the end of 20001,loans from supply and marketing cooperatives, loans from township enterprises, real estate loans and trade loans totaled 452 1 billion yuan, accounting for 29.22% of the conventional loans.
The content of this article comes from: China Law Publishing House "General Knowledge Series of Legal Life"
What does stock loan mean?
What does stock loan mean? Stock loan refers to a loan with only a certain amount, which is often not large.
Is it better to choose LPR or annual 1 or lending time for stock loans?
When choosing LPR for stock loan, if you want to enjoy the mortgage cost savings brought by the downward interest rate as soon as possible, you can choose the loan date and adjust it according to the corresponding date. If you choose the pricing date, it depends on the month of mortgage lending. If it is June 2 1, it depends on the specific LPR market on June 20 every year. If the quotation of the month is low, you can enjoy the discount immediately.
For individual lenders, if the current loan interest rate is not high, such as only 3% and 4%, then it is best to choose a fixed interest rate, because it may not drop to that low in the future. But if the interest rate is close to 5%, it needs to be converted into LPR interest rate.
Extended data:
There are 65,438+08 quotation banks to determine the LPR interest rate. All 18 LPR quotation banks have strong influence, credibility and pricing power in the same type of banks, and need to quote the best customers according to the bank's loan interest rate.
In other words, the quotation of the quotation bank is supported by real transactions. At the same time, the People's Bank of China and the self-discipline mechanism of interest rate pricing strictly supervise the quotation behavior of all quotation banks, regularly assess the quality of their quotations, and conduct survival of the fittest according to the assessment.